Work Location:

Mount Laurel, New Jersey, United States of America Hours:

40

Pay Details:

$123,050

• $184,570 USD TD is committed to providing fair and equitable compensation opportunities to all colleagues.

Growth opportunities and skill development are defining features of the colleague experience at TD. Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. The base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, geographic location, and other specific business and organizational needs. As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role.

Line of Business:

Analytics, Insights, & Artificial Intelligence Job Description:

The Lead Business Insights Specialist acts as an advisor to business leaders and stakeholders. This role provides comprehensive analytical support, interpretation of complex data, BI or analytics outcomes to generate multidimensional insights that drive business growth and value. This role works in partnership with business leaders to present or generate appropriate insights including the delivery of supporting collateral and/or presentations.

Depth & Scope:

Generally accountable for a significant business or area that has cross business or enterprise-wide impact or accountability Enterprise domain/functional and deep specialized knowledge at the enterprise, business, regulatory and industry levels Undertakes and completes a variety of complex initiatives requiring seasoned specialist knowledge and/or the integration of cross functional processes Typically deals with senior/executive management Focuses on longer-range planning for functional area (e.g. 12 months or greater) May manage and prioritize multiple projects at a given time May interact with any hierarchy level up to executive leaders and external vendors

Additional Information:

As a top leader within the Credit Risk Analytics risk management department, this role serves as a subject matter expert for portfolio-defined workstreams (retail and non-retail) within the quarterly Expected Credit Loss (ECL) and Provision for Credit Loss (PCL) allowance calculation processes. You will actively participate as an expert advisor to Credit Risk executives and process partners driving the strategy, design, enhancement, and execution of the quarterly IFRS9 and CECL credit allowance models. The position also actively participates in projects and initiatives (concept through delivery), ensuring changes are executed completely, in accordance with regulatory expectation, and understanding of business impacts. Working closely with senior leadership, key stakeholders, business partners, and cross functional teams, the role ensures an integrated, coordinated, and forward looking approach to the quarterly credit allowance process. Success requires credit knowledge, regulatory expectation understanding, ability to built and maintain relationships, critical thinking and the ability to make judgement decisions in a fast paced, time sensitive environment.

Education & Experience:

Undergraduate degree or advanced technical degree preferred (e.g., math, physics, engineering, finance or computer science) Graduate's degree preferred with either progressive project work experience, or; 7+ year of relevant experience; higher degree education and research tenure can be counted

Preferred Qualifications:

Self-led individual able to manage multiple initiatives of varying risk, timeframe, and coordination. Ability to learn, research and report on data issues using existing Bank software (i.e., Alteryx, Excel, etc.). Foundational knowledge of loan lifecycle, specifically the adjudication, risk ratings, categorization/classifications, and reserve process.

Customer Accountabilities:

Leads on the interpretation of complex business issues, generates multifaceted insights and identifies opportunities to help drive business growth or address business/enterprise needs Presents and communicates generated insights and recommended business actions to stakeholders/business leaders in an easily digestible manner, leveraging tools/techniques/methods to produce a variety of visualizations/presentations that fit the audience Acts as the primary interface with business to bridge and translate business requirements to analytics and reporting needs for a given domain/business Applies collaborative and strong stakeholder management approach to constructively influence and persuade stakeholders and partners where appropriate Serves as an authority on a given business domain and provides business expertise to place context around analytics discovery and inform recommendations Escalates data/process related problems and communicates to relevant teams in a timely manner and makes recommendations for resolution Provides day-to-day support and delivery of analytics

Shareholder Accountabilities:

Represents functional area as a business insights & analytics specialized expert Synthesizes complex and vast amount of information and translates into actionable insights and strategy Builds business requirements and facilitates project execution to develop insights Collaborates with partners on business challenges and delivers fact-based analytical advice that aligns to strategy and drives shareholder value Identifies opportunities for business growth within a specific business or function by identifying potential use cases and value drivers Utilizes both quantitative and qualitative methodologies to interpret and present data effectively and clearly Works directly with the business teams to gather the demand for analytics and work with the analytics hub to fulfill the analytics demand Provides business explanation for anomalies/outliers identified during analysis Works with business functions and analytics teams to transition business requirements to analytics requirements Trains business users on how to integrate analytics into decisions Leverages knowledge of data capabilities to build and deliver insights Develops analysis to corroborate initial proof of concept Executes on data requests accurately and within a timely manner Identifies and investigates data/analytics related issues Ensures business operations are in compliance with applicable internal and external requirements (e.g. financial controls, segregation of duties, transaction approvals and physical control of assets) Leads/facilitates and/or implements actions/remediation plans to address performance/risk/governance issues Actively manages relationships within and across various business lines, corporate and/or control functions and ensures alignment with enterprise and/or regulatory requirements Keeps abreast of emerging issues, trends, and evolving regulatory requirements and assesses potential impacts Maintains a culture of risk management and control, supported by effective processes in alignment with risk appetite

Employee/Team Accountabilities:

Participates fully as a member of the team, supports a positive work environment that promotes service to the business, quality, innovation and teamwork and ensures timely communication of issues/points of interest Provides thought leadership and/or industry knowledge for own area of expertise in own area and participates in knowledge transfer within the team and business unit Keeps current on emerging trends/developments and grows knowledge of the business, related tools and techniques Participates in personal performance management and development activities, including cross training within own team Keeps others informed and up to date about the status/progress of projects and/or all relevant or useful information related to day-to-day activities Contributes to team development of skills and capabilities through mentorship of others, by sharing knowledge and experiences and leveraging best practices Leads, motivates and develops relationships with internal and external business partners/stakeholders to develop productive working relationships Contributes to a fair, positive and equitable environment that supports a diverse workforce Acts as a brand ambassador for your business area/function and the bank, both internally and/or externally

Physical Requirements:

Never:

0%;

Occasional:

1-33%;

Frequent:

34-66%;

Continuous:

67-100% Domestic Travel

• Occasional International Travel
• Never Performing sedentary work
• Continuous Performing multiple tasks
• Continuous Operating standard office equipment
• Continuous Responding quickly to sounds
• Occasional Sitting
• Continuous Standing
• Occasional Walking
• Occasional Moving safely in confined spaces
• Occasional Lifting/Carrying (under 25 lbs.)
• Occasional Lifting/Carrying (over 25 lbs.)
• Never Squatting
• Occasional Bending
• Occasional Kneeling
• Never Crawling
• Never Climbing
• Never Reaching overhead
• Never Reaching forward
• Occasional Pushing
• Never Pulling
• Never Twisting
• Never Concentrating for long periods of time
• Continuous Applying common sense to deal with problems involving standardized situations
• Continuous Reading, writing and comprehending instructions
• Continuous Adding, subtracting, multiplying and dividing
• Continuous The above statements are intended to describe the general nature and level of work being performed by people assigned to this job.

They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes.

Who We Are:

TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day, we strive to make every interaction, product, and experience remarkably human and refreshingly simple for over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to foster deeper relationships, ensure disciplined execution, and build a simpler, faster banking experience. TD is deeply committed to being a leader in client experience, that is why we believe that all colleagues, no matter where they work, are client facing. Together, we are reimagining what banking can be for our clients, colleagues and communities. Our Total Rewards Package Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical and mental well-being goals. Total Rewards at TD includes base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition. Learn more

Additional Information:

We're delighted that you're considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we're committed to providing the support our colleagues need to thrive both at work and at home. Colleague Development If you're interested in a specific career path or are looking to build certain skills, we want to help you succeed. You'll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities. If you're passionate about helping clients and building deep, lasting relationships, TD offers diverse career paths where you can grow your expertise and make a meaningful impact. We're committed to your success and foster a respectful workplace where diverse perspectives are valued, everyone has fair opportunities to grow, and you can unlock your full potential to achieve your career goals. Here at TD, we hire and develop the best. Training & Onboarding We will provide training and onboarding sessions to ensure that you've got everything you need to succeed in your new role. Interview Process We'll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call. Accommodation TD Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a protected veteran or any other characteristic protected under applicable federal, state, or local law. If you are an applicant with a disability and need accommodations to complete the application process, please email TD Bank US Workplace Accommodations Program at

USWAPTDO

@td.com . Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.